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NMLS# 7233; Originator: Scott Kissler, NMLS# 1525872 Loan Number: 13167113 THIS PLANNED UNIT DEVELOPMENT RIDER is made this 26th day of January, 2018, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note ( "Note ") to Gateway Mortgage Group, LLC ( "Lender ") of the same date and covering the Property described in the Security Instrument and located at: The Property Address is a part of a planned unit development ( "PUD ") known as Copper Creek Estates (Name of Planned Unit Development). PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. So long as the Owners Association (or equivalent entity holding title to common areas and facilities), acting as trustee for the homeowners, maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the property located in the PUD, including all improvements now existing or hereafter erected on the mortgaged premises, and such policy is satisfactory to Lender and provides insurance coverage in the amounts, for the periods, and against the hazards Lender requires, including fire and other hazards included within the term "extended coverage," and loss by flood, to the extent required by the Secretary, then: (i) Lender waives the provision in Paragraph 3 of this Security Instrument for the monthly payment to Lender of one - twelfth of the yearly premium installments for FHA — MULTISTATE PUD Rider 1/2015 Page 1 of 2 IDS, Inc. ,�4�kl0�WP FHA PLANNED UNIT DEVELOPMENT RIDER 01111111 307 Little Bluestem Dr Grand Island, NEBRASKA 68803 [Property Address]. 201800527 MIN: 100287715002033822 FHA Case Number: 321 - 3612203 - 703 Borrower(s) Initials 4_.